Please advice me - how to make my insurance portfolio?

[Got_the_Best]

Thanks >take for your advice!

Do I need to buy online term plans to cover the gap? Which plan do you recommend?

[>take]

Thanks >take for your advice!
Do I need to buy online term plans to cover the gap? Which plan do you recommend?

Online term plans are not for NRIs. So go for normal offline term plans. But in these plans you need to undergo medical tests if you are opting for large Sum Insured. For this I don't know how you will deal with it? So please check with customer care of the insurance company before buying.